If you are looking for credit cards for bad credit then this post will show you what’s available to you. I did hold credit cards with three of the biggest bad credit card lenders so it is possible to be accepted with a poor credit rating.
I include a link to the reviews I wrote for each credit card. Within each review I also provide information about my credit rating at the time I applied. I had quite a bad credit rating when I applied for these credit cards.
Aqua Card Review
Aqua card will approve people with a poor credit rating. This is one of the first credit cards I got before I got into debt again and below you can find a link to my review of the Aqua Credit Card: –
Capital One Credit Card Review
Capital One have a credit card for people with poor credit. You normally start off with a very small credit limit and it is increased over time. Below is the review I have written about the Capital One Credit Card: –
– Review of Capital One Credit Card.
Luma Credit Card Review
I never had one of these credit cards but a friend of mine recently did. Like me his credit rating is not very good at all. I asked him to provide me with a review and it can be found by clicking the link below: –
Vanquis Card Review
I held a Vanquis Card and when I applied again my credit score was awful. They accepted me without any problems. My review of Vanquis card can be found by clicking the link below: –
Checking your Credit Report
Before applying for the credit cards for bad credit, it is worth checking your credit report to make sure the information on it is correct.
Credit Expert are currently running a free trial for new customers. If you haven’t used them before then it might be worth signing up to.
There are several posts on this blog about your credit report. Two of the most appropriate can be found by clicking the links below: –
You have been declined
If you have been declined it is best waiting six months before trying again. As mentioned above it is definitely worth checking your credit report to make sure the information contained within it is correct.
If you have been declined by one of the lenders above, it might be worth trying with another one. However wait at least three months before doing so.
When it comes to your credit rating, the best think you can do is give it time to heal. If you have had a lot of debt in the past then eventually that information will not be present on your credit file. Paying off your debt also helps improve your score as well as making sure the information contained within your report is correct.
